Major Rating Factors:
Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.1 has resulted in Weak (2.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.5 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 20.8. A current level of 7.8 percent of nonperforming loans to core capital combined with 7.8 percent from a year earlier contributes to the Good asset quality (6.4).
Asset Mix:
Home mtgs (71%), comm re (10%), cash (4%), securities (4%), consumer loans (1%), other (10%)
States with Branches:
KY
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
First Federal MHC
Investment Rating
--
Address
655 Main Street
Hazard, KY 41701
Hazard, KY 41701
Phone Number
(606) 436-3860
Year Founded
1960
FDIC Number
Largest Affiliates
Frankfort, KY
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Bank